5109 Morrowick Rd, Charlotte, NC 28226 Property Records

Mecklenburg County property record for 5109 Morrowick Rd, Charlotte, NC 28226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,610 sqft · built 1982
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$479,500 (Sep 2004)
Tax Bill	$7,912 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`211-384-17`

Property Details

APN / Parcel Number

Primary APN	`211-384-17`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,610 sqft Living Area
Gross Area	4,162 sqft
1st Floor Area	1,716 sqft
Upper Floors Area	1,894 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Garage Area	552 sqft
Porch	Finished/Open Porch
Porch Area	126 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5109 MORROWICK RD
City	CHARLOTTE
State	NC
Zip	28226-7365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	L17 B6 M19-399
Legal Subdivision	MONTIBELLO 10 PT 03 MAP C
Legal Block	6
Legal Lot Number	17
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	2
Census Block	2006
Census Tract	3020

Owner

5109 Morrowick Rd is owned and occupied by two individuals who bought it in September 2004.

Source: Mecklenburg County records, as of April 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5109 MORROWICK RD, CHARLOTTE, NC 28226-7365
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Feb 2, 2024	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2004 · Amount on File
Deed Sale	Sep 20, 2004 · Amount on File
Prior Sale	Sep 20, 2004 · Amount on File
Deed Document Number	2004202579
Deed Book / Page	17768 / 913
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 6, 2026
Property Address	5109 MORROWICK RD, CHARLOTTE, NC 28226-7365
Document Number	0000034176
Book / Page	40321 / 669
Instrument Date	Apr 2, 2026
Instrument	202634176
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 MORROWICK RD, CHARLOTTE, NC 28226-7365

Mortgage

Document Number	0000034176,
Date	Apr 6, 2026
Book Page	40321/669
Instrument	202634176

Lender

Name	UWHARRIE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 7, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5109 MORROWICK RD, CHARLOTTE, NC 28226-7365
Transaction Type	Mortgage
Record Updated	Feb 9, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 MORROWICK RD, CHARLOTTE, NC 28226-7365

Mortgage

Document Number	0000009493
Date	Feb 2, 2024
Book Page	38615/221
Instrument	2024009493

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 20, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	5109 MORROWICK RD, CHARLOTTE, NC 28226-7365
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041018
Date	Mar 16, 2022
Book Page	37158/510
Instrument	2022041018

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,024,650 Land $550,000 Building $474,650	$1,024,650 Land $550,000 Building $474,650
2024	$7,912.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5109 Morrowick Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2018 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5109 Morrowick Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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